Making your home a safer place

Everyone should be thinking about ways to make their home a safer place. Safety encompasses a lot of different things. It can be to make your home safe from dangers from the outside, but it also might be about dangers that exist within the home. Both are causes for concern. At Griffin Insurance Agency in Mooresville, NC, we make sure your home insurance gives you the protection you need to feel safe in your own home. 

Change the batteries

Your smoke detector and carbon monoxide detectors are both lifesavers and make your home a safer place. They can only do that if they are operational. Many people change the batteries when the time changes in the fall and spring and that makes good sense. 

Clean up the clutter

Clutter is not only unsightly; it is also dangerous especially if you pile things on the stairs and hallways in your home. It is a trip hazard. Make sure walkways are cleared both inside and outside your home. 

Use your locks

If you ever open your windows, make sure that they are not opened enough to allow access to your home. When you close them, lock the windows and make sure if you have a slider, it is also locked with a bar that fits in the lower track. 

Keep tall shrubs away from your home

If you have plants close to your home, make sure they are kept trimmed low so that no one is able to get close to your home and not be visible from the street and inside. 

Don’t announce your plans to be away on social media

Way too much sharing happens on social media. Don’t tell your friends and through them their friends when you are planning to be away from home. You never know who can see your posts. 

Contact Griffin Insurance Agency in Mooresville, NC for all your home insurance needs. 

Types of Commercial Insurance Coverage

After building a reputable and sustainable business, the next step should be protecting it and increasing its productivity. By buying a policy under commercial insurance coverage, you will have the right umbrella that protects the business against different risk factors. You should, however, understand the types of commercial insurance coverage to consider. At Griffin Insurance Agency in Mooresville, NC, we have highlighted and explained the types of commercial insurance below.

Property Insurance

As a business owner, you want your building and its content protected from any form of risk factors. While it can prove hectic when you lack a financial plan, you get the right protection with property insurance coverage. With this type of commercial insurance, there is protection for every asset in the business against damage caused by fire, natural disaster, or theft.

Workers’ Compensation Coverage

When you have employees in your business, you should consider their safety and welfare as well. When your employees get injured in your company, handling the situation can prove costly when you lack a plan. However, with workers’ compensation insurance, you get coverage that allows you to handle and provide the care your employees need.

Commercial Auto Insurance

Running a business in Mooresville, NC also means handling the expenses that come with the automobiles available in the company. You must protect your equipment, motor vehicles included. Through commercial auto insurance, minimize the related risks and expenses that come with using automobiles.

Employment Practices Liability Insurance

Any company can face employment claims just like in other aspects of the business. As long as you have employees and work with people, your business needs employment practices liability insurance. Through this type of commercial insurance coverage, you safeguard the business against employee lawsuits and claims.

General Liability

With general liability, you protect the business against any external risk factor. This includes incidents with your customers or other competing businesses that can affect the reputation of the business.

As a business owner, call us at Griffin Insurance Agency today for a positive start with commercial insurance coverage.

Do All Homeowners Require Home Insurance?

Before building or purchasing your first home in Mooresville, NC, you may want to know whether you are required to buy home insurance. Well, home insurance isn’t required by any law, but you will be grateful you had it when perils like theft, fire, vandalism, and natural calamities strike. 

If you are wondering whether you need home insurance, keep scrolling as Griffin Insurance Agency explains why home insurance is a must-have investment. 

It may be required

While home insurance isn’t mandated by any state or federal law, your mortgage lender may require you to purchase at least the basic home insurance coverage. Think of your lender as a part-owner of your home. And just like you, they would want to protect their investment when the unthinkable strikes. 

Home insurance protects your dwelling

It has taken you years to put up your home. As such, it makes sense to protect your hard-earned investment with proper home insurance. A home insurance plan covers repairs and even rebuilding in case of a total loss. 

To protect your belongings

Home insurance protects not only your building structure but also the contents inside. Since perils like theft, fire, vandalism, and other risks may cause damage or loss to the stuff you have spent years collecting, home insurance comes in handy by replacing your valuables whenever covered perils strike. 

Liability protection

While we always do our best to prevent accidents, they can still happen right within your premises. A visitor could slip and injure their leg. Your dog could bite a person. Perhaps, you could reverse your car into your neighbor’s wall. 

Unfortunately, when accidents happen, you are faced with bodily injury, property damage, and possible lawsuits. Thankfully, if you have home insurance, you don’t have to worry much about third-party costs. 

Buy home insurance in Mooresville, NC today!

Are you ready to get started with home insurance? Please contact Griffin Insurance Agency for an affordable quote. 

Do I need auto insurance in Mooresville?

The Mooresville, NC area continues to be a great place for people to live. When you are in this area of North Carolina, you are going to have access to a lot of fun recreational amenities as well as a good job market. If you are going to move to this area of the state, you will want to ensure that you have a way to get around town. To do this, most people will invest in a vehicle. Along with any vehicle, you need to get auto insurance which is a necessity for a few reasons.

Coverage Required for State Law Compliance

An important reason that anyone should get an auto insurance plan here is that it is required for state law compliance. Drivers in North Carolina will always need to have liability insurance for their vehicles. This coverage is important as it ensures you can cover damages that you may cause in an accident. 

Coverage is Required by Lenders

As a vehicle can be a major purchase, many buyers will end up taking out a loan to finance the purchase of it. If you took out an auto loan, you will need to meet your lender’s standards in terms of auto insurance. Any lender will want to know that their collateral is protected. Due to this, they are likely to require you to carry collision and comprehensive insurance protection. 

A car owner in Mooresville, NC will need to have auto insurance at all times. To ensure that you choose a quality policy, calling Griffin Insurance Agency can be a great idea. The team with Griffin Insurance Agency understands the value that this coverage provides. They can offer the support you need to understand all of your options and build an appropriate auto insurance plan. 

What Does Commercial Insurance Cover?

You have worked hard to build your business so you want to protect it as much as you can. One way to do that is through commercial insurance in the agents at the Griffin Insurance Agency in Mooresville, NC can help you to obtain a policy that works for your business needs.

North Carolina Commercial Insurance Requirements

In the state of North Carolina, if your business employs three or more part-time or full-time employees, you must have workers’ compensation insurance in place to cover them. This type of coverage is put in place to help pay the medical costs and time off of work for your employees if they are injured on the job.

Also in North Carolina, you must have commercial auto liability insurance on all business-owned vehicles, and you should have the same coverage on personal vehicles that are used for business purposes. These state laws are required for all drivers in North Carolina.

Business Owner’s Insurance and General Liability

Your business owner’s insurance policy will cover any injuries that may happen to a customer while visiting your business or because of an incident that occurred while your business is conducting a service for your business. It will also cover customer property that is damaged by your business and any damages your business sustains from vandalism, theft, a natural disaster, or a fire.

General liability will also cover customer injuries, customer property damage, and business property damage along with libel or slander lawsuits.

Other Coverage Options

You can also obtain professional and cyber liability insurance to help protect your business even further. Professional liability insurance covers any mistakes and oversights that have been with your business along with negligence lawsuits, and late or incomplete work by your business. Cyber insurance covers any data breaches, notification expenses for communicating with your clients if there is a security breach and fraud monitoring costs.

Contact Us

To get your commercial insurance policy started or for a quote, contact the agents at the Griffin Insurance Agency in Mooresville, NC today!

What does a standard home insurance policy cover?

Your home in Mooresville, NC is a treasure and sanctuary. You need a home insurance policy that matches how you feel about your dwelling place. The agents at Griffin Insurance Agency can help you craft an indemnity plan that best suits your family’s needs.

Why do you need home insurance?

There is no state law requiring homeowners in Mooresville, NC to obtain an indemnity plan for their property. You should, however, consider purchasing home insurance for a number of reasons. 

First, the tenants of your mortgage agreement may require you to have home insurance that covers at least the structure. Some lenders attach an indemnity plan that protects their investment when the borrower fails to maintain a home insurance plan. 

The problem with a lender charging you for a home indemnity policy of their choosing is that such a plan protects them while leaving your family in the cold. You can forge about a good home insurance plan that pays if your personal possessions are damaged when the lender chooses the plan. Such is a reason for you to be proactive in your approach to a home indemnity plan. 

Another reason to buy home insurance is because of natural disasters. The best plans pay for damages to your home when inclement weather or a firestorm ravage your dwelling place. 

What does a standard home insurance plan cover?

A standard home insurance policy does not pay for natural disasters. A good plan does, however, cover your structure along with personal possessions inside of the home. 

The agents at Griffin Insurance Agency can help you understand the benefits of a good home insurance plan. Call them today to get started with a quote for coverage!

An Overview of Commercial Property Insurance

Based in Mooresville, NC, Griffin Insurance Agency offers multiple types of insurance coverage to the local community. For over 30 years, we have helped our clients find policies to protect their assets. We are committed to helping you find the coverage you need regardless of your situation.

Overview Of Commercial Property Insurance

As a Mooresville, NC business owner, you have to manage a lot of obligations on a daily basis. Things can become stressful very quickly. Commercial insurance helps alleviate some of the stress of operating your business. The policy protects you in multiple ways. You are covered if you are involved in a liability dispute or if your inventory is stolen or damaged. Worker’s compensation protects you if one of your employees gets injured A significant part of your commercial insurance policy is property coverage.

Commercial property coverage helps protect your assets in the event of a disaster. The policy can prevent you from suffering major losses and help ensure that your company continues to function properly. Commercial property coverage protects you if your building is damaged or vandalized. This also includes any damages to your equipment, supplies, and inventory. The policy covers any property damage that occurs due to a natural disaster such as a fire or inclement weather.

You can amend your liability coverage to protect you if you are holding other people’s property at one of your buildings and damages occur. In the event of serious property damage, you can add business interruption coverage so that you will be protected if your business has to cease operations for a few weeks.

Griffin Insurance Agency Will Help You Protect Your Assets

Visit our website today to learn more information about commercial insurance.

Why should I get home insurance for my North Carolina property?

In the Mooresville NC area, buying a home is often a better option than renting. If you do choose to rent a property, you will be making a big investment that you will want to pay dividends in the future. Those that purchase a home in North Carolina need to get a proper home insurance policy for a few reasons. 

Insurance Gives Liability Coverage

A reason that you will want to have home insurance for your property in North Carolina is that it will give liability coverage. There are always going to be liability risks that come with owning a home. These extend to guests being injured or your property causing damage to another home. Fortunately, you are able to mitigate all of these risks if you invest in a home insurance policy as it offers proper liability coverage.

Insurance Covers Assets

You should also get a home insurance policy to ensure that your assets are properly covered. Anyone that is going to buy and own a home in North Carolina will end up making a huge investment that needs to be protected. If you get home insurance, it will give you the coverage that is needed to repair or replace your property in a variety of situations. This could help to protect your investment going forward. 

As you are going to get a new home or home insurance policy in the Mooresville, NC area, it would be a good idea for you to speak with the team at the Griffin Insurance Agency. When you are going to call Griffin Insurance Agency, you are going to get the support that is needed to choose a new policy. With this support, you will feel great about the coverage you select. 

Common Myths About Auto Insurance

It is not easy to choose the right auto insurance, especially if you have never done it before and if there are so many myths about it.  In order to help you make the right choice, Griffin Insurance Agency, serving Mooresville, NC has prepared a list of misconceptions about auto insurance that you should know about:

Red Cars Are More Expensive To Insure

The truth is that the car’s color is not one of the factors in how your auto insurance is calculated. There are other things affecting the cost of insurance, including the model and the age of your car. 

Expensive Cars Cost More To Get Insured

The purchase price of a vehicle does not have an impact on the cost of the premium. Some mid-priced cars may cost more to insure than expensive luxury cars because they cost more to repair or they have a higher loss history. 

Getting Traffic Tickets Will Increase The Cost of Your Auto Insurance

If your driving record is clean and the violation is minor, it may not have an impact on the cost of insurance. However, the more violations and traffic tickets you have, the higher your chances of getting your premium increased.

The State-Minimum Liability Insurance Is More Than Enough 

In most cases, the state-minimum liability insurance is not enough to cover damages in case of an accident. Therefore, if you decide to buy the state-minimum only, you should be ready to pay most of the expenses out of pocket. 

Having auto insurance is a requirement in most of the states, including North Carolina. Now you know the most common myths about auto insurance and will be able to choose the perfect policy based on your insurance needs and budget. If you have any questions about it, do not hesitate to contact Griffin Insurance Agency serving Mooresville, NC, and other surrounding areas  – our agents are ready to answer all your questions. 

3 Tips for Buying Commercial Insurance in Mooresville, NC

Owning a business comes with many rewards. Doesn’t it make sense to protect this business as much as possible? That’s where a commercial insurance policy comes in. You will rest assured knowing you’re protecting your assets, yourself, and your employees. If you’re ready to learn more about purchasing commercial insurance in Mooresville, NC, the team at Griffin Insurance Agency urges you to read the following three tips to help you get started.

1. Work with a Reputable Agent

A friendly, reputable insurance agent will make all the difference when selecting a commercial insurance policy. Our agents answer all your questions, explain each policy in fine detail, and help you pinpoint policies that you can afford. Obtaining commercial insurance is like an investment in your company and your future because you never know when something could happen.

2. Compare Several Quotes

It’s always a good idea to compare several commercial insurance quotes with a reputable agent. This way, you’ll be sure you’ve done your due diligence and selected the right policy for your needs. Policies differ on coverage and price, the two most important factors to consider. 

3. Bundle Your Policies

Chances are you already have a few insurance policies, such as auto, home, life, umbrella, or others. To save money on your premiums, it’s wise to pick one carrier and bundle your policies under them. You may need to switch carriers or start new policies, but it’s worth it, and working with a reputable insurance agent makes this process fast and easy.

To learn more ways to save money on a commercial insurance policy and to secure a policy soon, contact the team at Griffin Insurance Agency today, serving Mooresville, NC.